Acceptance Auto Insurance Review & Complaints: Auto, Motorcycle & Renter’s Insurance (2024)
Acceptance Auto Insurance reviews are negative enough to make us think twice about recommending it. Non-standard insurance offering good service and a good value is a difficult thing to find, so you should compare quotes online before buying a policy.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Dec 29, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 29, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Your one-stop online insurance guide. Get free quotes now! Secured with SHA-256 Encryption
What is Acceptance Auto Insurance?
Headquartered in Nashville, Tennessee, Acceptance Insurance traces back to 1969. The company also operates under a few other names: First Acceptance Insurance, Yale Insurance, and Insurance Plus.
Acceptance Insurance operates throughout states in more than 350 neighborhood locations. Their focus is on the non-standard, high-risk auto insurance market, offering SR-22 coverage and insuring drivers that are unable to obtain coverage on the standard market for a variety of reasons.
Acceptance Auto also writes motorcycle and renters insurance and rounds out their product listing with hospital indemnity policies, something of an odd offering for this type of company.
Your one-stop online insurance guide. Get free quotes now! Secured with SHA-256 Encryption
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
What Types of Insurance Products Are Offered?
Acceptance Insurance’s main product is non-standard personal automobile insurance, though they have a few other products. In a practice that is common for this type of insurer, there is not much detail regarding their policies on their website. The product information is offered mainly as a general overview.
Acceptance’s auto program is offered to drivers who are in need of coverage but have been turned down elsewhere. This is usually due to a problematic driving record, including major violations that may result in an SR-22.
Acceptance Insurance also writes insurance for people with credit problems or who are considered high risk for other reasons. They offer a non-owners insurance program designed for those who need liability coverage but don’t own a vehicle.
While non-standard insurance typically focuses on liability coverage that meets state minimum requirements, Acceptance Insurance also offers comprehensive coverage and collision coverage, as well as a roadside assistance program that can be added to the policy.
Motorcycle Insurance
The motorcycle insurance program offers package policies, including the option to add roadside assistance. The site also indicates that they provide custom motorcycle coverage choices and have a program for a military motorcycle insurance policy, although there is not a lot in regards to information as to what that means. The assumption would be that there is a military discount, but this is not made clear.
Renter’s Insurance
Acceptance writes renter’s insurance policies that cover liability and personal property for tenants.
While most insurers offer a discount when bundling auto and renters or homeowners insurance together, we were unable to find information in regards to this on the Acceptance website, which has very little real information about the products.
Other Products
Also listed on the Acceptance website are Ohio bonds and Hospital Indemnity Insurance products.
The Hospital Indemnity coverage is not offered in Alabama and includes $125 a day for hospital confinement, $10,000 in accidental death and dismemberment coverage, and $1,000 in excess medical payments.
Are the company’s insurance rates competitive?
Acceptance Insurance does have online quoting, which requires entering personal information including a driver’s license number and social security number for an accurate quote. Quotes can also be obtained over the phone or by visiting a local agency.
Because Acceptance is a non-standard insurer, their rates are unlikely to compare well to standard insurance companies, and should only be compared with other non-standard insurance companies.
Is the claims process simple?
Acceptance Insurance has an online claims reporting system that can be used either by their own policyholders or by another driver involved in a collision with an Acceptance insurance policyholder.
Claims can also be filed over the phone using a toll-free number; that line is not available 24/7, however. Hours of operation are Monday through Friday 6:00 a.m. to 8:00 p.m. Central time, and Saturdays 8:00 a.m. through 5:00 p.m. Central time. There are separate toll-free lines for towing coverage or rental car assistance.
The company’s website also offers an email address for claims, which is a less secure option but may be useful when sensitive information is not being sent.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Are the Ratings and Consumer Reviews Positive?
The Better Business Bureau (BBB) gives Acceptance Insurance an A+ rating, although there are 292 customer complaints on file in the past three years. Of those complaints, 65 were closed in the past 12 months. While the BBB may consider that a low enough volume to maintain the highest rating, in our experience that number is a little on the high side for a company of this size.
The company’s Facebook page has 75 reviews, resulting in an overall 2.3-star rating from customers. The majority of the reviews are negative, with most focusing on the claims experience. Many customers complain that claims response is slow or non-existent, with filed claims being ignored for extended periods of time, in some cases weeks or months with no response. There are a few scattered positive reviews from customers, but the overall impression is negative. The company does appear to take the time to respond to the negative reviews from customers on the Facebook page, however, which shows interest in resolving complaints.
We found little else in the way of customer service reviews and complaints. Yelp has two reviews for this company, one of which is a positive experience with taking out a new policy, the other is negative but related to a fraud situation.
Acceptance Auto Insurance Claims Process
Ease of Filing a Claim
Acceptance Insurance offers multiple methods for filing insurance claims to ensure convenience for its policyholders. These options include online claim submissions, phone-based claims processing, and the use of mobile apps.
Policyholders can choose the method that suits them best, whether they prefer the efficiency of online filing, the personal touch of speaking with a representative over the phone, or the convenience of using a mobile app.
Average Claim Processing Time
The average claim processing time is a critical factor for policyholders seeking quick resolutions to their insurance claims. Acceptance Insurance strives to provide timely claim processing to its customers.
However, the specific processing time may vary depending on the complexity of the claim and the information provided by the policyholder. It’s advisable for policyholders to inquire about the estimated processing time when filing a claim to set realistic expectations.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable when assessing an insurance provider’s claim resolution and payout process. Acceptance Insurance has received both positive and negative feedback from customers regarding their claims experience.
While some customers have reported satisfactory resolutions, others have expressed concerns about delays and responsiveness. It’s essential for potential policyholders to review customer feedback and consider their own priorities when evaluating the company’s claims handling.
Digital and Technological Features of Acceptance Auto Insurance
Mobile App Features and Functionality
Acceptance Insurance offers a mobile app to enhance policyholders’ digital experience. The app is designed to provide easy access to policy information, claims filing, and account management. It may include features such as policy document retrieval, digital ID cards, and notifications. Policyholders can explore the app’s functionalities to simplify their insurance-related tasks.
Online Account Management Capabilities
Online account management is a convenient feature for policyholders who prefer self-service options. Acceptance Insurance likely provides an online portal where policyholders can log in to manage their policies, view billing information, make payments, and update personal details. The ease of use and accessibility of these online tools can significantly enhance the customer experience.
Digital Tools and Resources
Digital tools and resources may encompass a range of online assets, such as educational materials, FAQs, and resources to help policyholders understand their coverage. Acceptance Insurance may offer informative content on their website, aiming to empower policyholders with knowledge about insurance products and best practices.
These resources can be valuable for making informed insurance decisions. Overall, Acceptance Insurance’s claims process and digital features play a crucial role in shaping the customer experience. Prospective policyholders should consider their preferences and priorities when evaluating these aspects of the insurance provider’s offerings.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
What’s the Bottom Line?
This company has enough negative reviews citing the same issues to give us pause. Non-standard insurance offering good service and a good value is a difficult thing to find, and further information on this company’s products and rates might help to determine what kind of value is offered. For those in need of this type of automobile insurance, it would be a good idea to check out options beyond Acceptance Insurance before making a decision.
Your one-stop online insurance guide. Get free quotes now! Secured with SHA-256 Encryption
Frequently Asked Questions
What types of insurance policies does Acceptance Auto Insurance offer?
Acceptance Auto Insurance offers various insurance policies, including auto insurance for personal vehicles, motorcycles, and commercial vehicles.
How can I get a quote from Acceptance Auto Insurance?
To get a quote from Acceptance Auto Insurance, you can visit their website and fill out an online quote form. Alternatively, you can call their customer service hotline and speak to a representative who will assist you with obtaining a quote.
How long does it take to receive a quote from Acceptance Auto Insurance?
The time it takes to receive a quote from Acceptance Auto Insurance can vary depending on various factors, such as the complexity of your insurance needs and the availability of information. Generally, you can expect to receive a quote within a few minutes to a few hours.
What factors affect the cost of my auto insurance with Acceptance Auto Insurance?
Several factors can affect the cost of your auto insurance, including your driving history, the type of vehicle you own, your location, your age, and the coverage options you choose.
How can I file a claim with Acceptance Auto Insurance?
To file a claim with Acceptance Auto Insurance, you can contact their claims department by phone or online. They will guide you through the claims process and provide you with the necessary information and forms.
How long does it take for Acceptance Auto Insurance to process a claim?
The time it takes to process a claim with Acceptance Auto Insurance can vary depending on the complexity of the claim. Simple claims may be processed within a few days, while more complex claims may take longer.
What should I do if I have a complaint about Acceptance Auto Insurance?
If you have a complaint about Acceptance Auto Insurance, it is recommended to first contact their customer service department and explain the issue. They will attempt to resolve the complaint. If you are not satisfied with their response, you may consider contacting your state’s insurance department or seeking legal advice.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.